Compare and Apply for American Express® Working Capital Terms online

"It just takes a minute to complete and submit
your online Amex Working Capital Terms application."

Payments on track. Capital on hand.
Strengthen cash flow by paying your vendors through Working Capital Terms.
As an eligible American Express Business Card Member, you can enroll once with no credit check, then get ongoing access to funds between $1,000 and $750,000 to pay vendors as often as you need.

Get the Working Capital Terms from American Express® for your business funding to drive the business growth today!

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Frequently Asked Questions

Will American Express pull my credit report when I enroll?
No, we will not obtain credit reports when you apply to enroll in the program. Instead, we use existing credit reports and other information we already have on file for you.

Is there a fee to enroll?
No, there’s no fee to enroll.

Can I cancel my enrollment?
Yes, you can cancel your enrollment at any time. If you choose to do so, you will not be able to re-enroll in the Working Capital Terms program for this business or any other of your businesses.

How much can I borrow?
The amount you can borrow is dynamic and will be displayed on the application to enroll in the program and on the Working Capital Terms dashboard after you enroll. This amount can range between $1,000 and $750,000, and can change based on the overall financial profile of you and your business.

When can I request funds?
Once enrolled, you can request funds whenever you need them up to the maximum borrowing amount displayed on your Working Capital Terms dashboard. We’ll review your funding requests as we receive them.

Can I change the length of my term after submitting a funding request?
No, the length of your term can’t be changed after you submit a funding request.

How do I add a vendor to pay?
Once enrolled, you can add a vendor by providing their business and bank information on the Working Capital Terms dashboard. We’ll verify that information for your protection. Since verifying new vendors can take up to two business days, we recommend that you add your vendor in advance of your funding request.

Will American Express charge my vendor a fee?
No, we do not charge vendors for receiving payment through Working Capital Terms.

How will my vendor get paid?
We'll send funds directly to your verified vendor via ACH using the vendor bank information you provide. We never tell vendors that you are financing invoices and we make it clear that the payment is coming from you. At the time of your funding request, you can add customer-identifying information such as an invoice number, customer number, or account number to the payment.

How quickly will my vendor get paid?
Verified vendors may receive payment in as little as two business days after an approved funding request

Can I repay the funds I borrow before the due date?
Yes, you can repay a funding request in full before the due date without any early pay penalties or discounts.

What happens if my loan is not repaid on its due date?
If we aren’t able to auto-debit the funds on your due date, we may charge you a late fee. We may also suspend your ability to request funds and/or cancel your enrollment in Working Capital Terms. - Small Business Loans Online

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